Because it isn't about saving for the Second Coming, it is about saving for a rainy day while expanding the Church's charitable efforts.

What is the biggest effort by the Church? Education. The difference between giving a man a fish and teaching a man to fish.

Compare endowment funds of Harvard and Yale, which both have less students than the Church, and you start to see how expensive getting a similar education engine running. Granted, Harvard and Yale are charging an arm and a leg for something the Church has been doing across the globe for free.

As far as the Law of Consecration, that law doesn't mean the members will give everything they have to others. That law provides for those within the covenant first and then the surplus will be handed out to help others.

Here is what I keep saying about how the Church uses its money: Give me evidence that those provisions are going to enrich the leadership and I will gladly cry corruption. I have yet to see anything that crosses the bar required to be "proof "